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All Journal Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Shadriyah
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Other

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Analysis of the Implementation of Murabahah Contract in Fertilizer Payments with a Post-Harvest Payment Scheme from the Perspective of Islamic Financial Institutions A. Kasmianti; Abdulahanaa; Shadriyah
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2435

Abstract

This study aims to analyze the implementation of the murabahah contract in post-harvest fertilizer payments in Tadang Palie Village, Ulaweng District, Bone Regency, and to assess it from the perspective of Islamic financial institutions. Murabahah is a sale contract in Islamic banking where the purchase price and profit margin are agreed upon at the start of the transaction. The study uses a qualitative descriptive method, with data collected through observation, interviews, and documentation involving corn farmers. The findings show that post-harvest fertilizer payments are commonly practiced among farmers, providing convenience by allowing them to obtain fertilizer without upfront payment. However, this system carries risks, particularly the possibility of payment default due to uncertain harvest outcomes. From the Islamic financial perspective, the application of the murabahah contract in this scheme is generally in accordance with sharia principles, as it fulfills the pillars and conditions of a valid contract. Still, there are important aspects that require attention, such as price transparency and effective risk management. This research is expected to provide useful insights for academics, farmers, and Islamic financial institutions in understanding the practical implementation of the murabahah contract, particularly in agricultural financing with a post-harvest payment system.
Analysis of Post-Internship Student Interest in Working in Islamic Banks (Study on IAIN Bone Students) Winda; Abd.Rasyid R. R.; Shadriyah
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2441

Abstract

This research aims to analyze students' interest in working at Islamic banks after completing internships, focusing on students at IAIN Bone. Students' career choices following internships are influenced by various factors, both internal and external. These factors include the alignment between students' personal values and Islamic principles, positive internship experiences, and career prospects offered by Islamic banks. The research employs a qualitative approach with in-depth interviews and observations to explore students' perceptions and motivations. The findings indicate that positive internship experiences, understanding of Islamic values, and alignment between students' personal goals and Islamic banking values play important roles in increasing their interest in working in this sector. Additionally, external factors such as job stability and career opportunities in Islamic banks serve as key drivers. The research suggests that Islamic banks and universities should strengthen internship programs and enhance students' understanding of the Islamic banking sector to attract more qualified talent to work in this field.
Co-Authors A. Kasmianti Abd.Rasyid R. R. Abdulahanaa Winda